Commercial Insurance Coverages

We've got your business covered

FCCI Insurance Group provides commercial property and casualty insurance.
When we issue a policy, we make a promise. And we've been keeping our promises since 1959.
We pride ourselves on the relationships we have with our agents and policyholders.
Our commercial insurance products include:

Commercial Auto Insurance

We'll provide you coverage for bodily injury and property damage caused by or to vehicles used in your business.

Surety Bonds

We offer commercial and contract surety products designed to meet a variety of business needs by building strong relationships, efficient processes and a positive, solution-based approach to underwriting and service.

Workers' Compensation Insurance

FCCI Coverages Map

FCCI operates through regional offices in the Southeast, Gulf Coast, Midwest, Southwest, Mid-Atlantic and Florida. We continue to expand and diversify our operations, while delivering specialized market expertise and a local presence.

FCCI provides commercial property and casualty insurance and surety bonds in more than a third of the U.S. For our licensed agents, surety is also available in the additional states of Arizona, Iowa, Kansas and Nebraska.

Risk Control Services

Customized Risk Management Plans

We meet with policyholders to learn the unique nature of their business. Our risk control consultants work to devise a risk management plan designed to save lives, prevent accidents and keep insurance costs down. By providing clear goals, action plans and survey schedules, our consultants help policyholders accomplish their safety objectives.

People Like You – Meet Helen

The best thing about it is, in this business, you make all these promises about being there and taking care of people ... Being able to live up to those promises is very gratifying. FCCI does things the way they are supposed to be done.
—Helen CrockettPresident, The Crockett Insurance GroupVero Beach, FL

FAQ about business insurance

Business insurance, also called commercial insurance, protects business owners and their workers from losses. Specific commercial insurance coverages can protect against risks like property damage, theft, lawsuits and injury to employees.

If you run a business, you need coverage. Most states require some kind of minimal insurance for businesses to even operate. You also want to protect your business from risk and losses (such as theft, damage, work-related injuries or lawsuits). Without the right coverage, you could be left to pay damages out-of-pocket. Business insurance helps you recover from financially devastating losses.

All businesses need commercial general liability insurance to protect against lawsuits. If you have any employees, your business needs workers' compensation insurance. If you own or operate any vehicles in your business, your business needs commercial auto insurance. If you own or lease any property or equipment, your business needs commercial property or inland marine insurance. Most businesses also need a commercial umbrella policy to provide catastrophic protection. There are many additional coverages available based on the specific needs of your business. Your agent and FCCI will help you build the right policy to protect your business.

Standard commercial policies often don't cover losses from all natural disasters like floods and other weather events. You may require additional specialized policy coverage. Intentional and fraudulent acts are also not covered by standard professional liability policies. It's always best to discuss specific coverage questions with your agent.